In 1995 I launched the BayHouse site after having worked as a real estate and
mortgage broker in California since the late 80s. My primary goal was to explain real estate and
mortgage commissions, pricing and common unethical and illegal practices. In
1997 I added FICO Credit
Scoring IS Fraud! with the credit report scans to prove that scores
can change 24 points from one day to the next for no reason at all. I also opened my first real estate, mortgage and credit forum.

I tried to personally respond to each posting and especially to correct misinformation. Too many
readers refused to read and search and they were only interested in getting
free advice and improving their credit so they could finance more stuff they didn't need. As the same questions were posted over and over, the search results
became diluted with duplicates and I decided to close this forum to maintain
its usefulness.

When mortgage companies access your credit for promos, you should also claim your $1,000 per promo since they can't provide a firm offer of credit.

In April 2005 I finally had to move CreditForum.org to Europe because MasterCard falsely accused me of running a credit card fraud site in e-mails to my web hosts and they threatened to have my server shut off. Servint.com gave me 48 hours in February to delete account numbers for closed and even charged off accounts, Layeredtech.com gave me 12 hours. I'm now hosting at EuroVPS.com.

Obviously, I'm not going to delete anything, it would take thousands of hours to go through the many thousands of postings and delete all closed account numbers.

If MasterCard thought it had a legal right for its ludicrous demands, I'm sure it would have sued me or at least provided some kind of reason.

There's a lot
of great stuff at CreditForum.org for those willing to search or browse, but please be aware that credit reporting changes continually.

I opened the Fight Back!!! forum in July 2004 and it is not a credit repair forum.

Fight Back!!! is exactly what the name implies: a place for people to learn and document
how to fight for their rights and to share information. We are not limited to legal action,
there are many ways to fight back.

Since the FACT Act required the FTC and the Federal Reserve Board to study credit reporting and scoring, I responded to their requests for comments.

This is *the* best credit reporting and credit scoring info available and if you study my submissions, you'll know more about credit than any credit repair people.

I submit the press releases through PRweb.com and I only pay about $30 to $40 for 50,000 to 120,000 accesses at PRweb. Additionally, many financial sites repost the entire releases and I get a lot of feedback from readers.

The documentation leading up to the press releases is posted at Fight Back and obviously the goal is to damage the companies' reputation and to hurt their sales by exposing their deplorable business practices.

I estimated a very conservative $2,000 revenue loss for every mortgage Ameriquest doesn't close due to my publications. Ameriquest loses at least $1 million for every 500 lost loans. I'm hoping that by now I caused at least a couple million in lost profits. Regardless of the outcome of my litigation and no matter how much money I cost them, I won't have a significant impact. Allegedly, Ameriquest profits were around $2 billion in 2004.

I also started an identity theftsection at Fight Back!!! and I'm
thrilled about Melody's class action against the CRAs for their sales of
fraudulent ID theft protection services. Those credit monitoring services did
not prevent her husband from becoming an ID theft victim and I also have been
subscribing for years and became an ID theft victim in 3/04. Melody discovered
that the CRAs created "sub files" when another person used the same
SSN as her husband and the CRAs refused to fix the problem

The Fight Back!!! forum is a place for any kind of activism remotely related to credit or banking and I'm especially disgusted by the mortgage junk faxers and spammers and the governments' and regulators' selling out to the corporations.

Action
Alerts!-- inflicting damages on CRAs and especially mortgage lenders with just a few clicks.

Quitting the rat
race - alternatives? -- based on my extensive research and absent any evidence to the contrary, I concluded that the legislators, courts and people are so corrupt -- resistance is futile. If I had a lawyer or I dismissed my suits, I could be in Nicaragua looking for my alpaca ranch. I rather spend my money elsewhere and hope to be South of the border by fall 2005.

What are YOU going to do?

Is it really not possible to make a difference?

Are Americans doomed to exist as exploited working and consuming drones?

That's my subscription forum (currently $45 for 3 months) and I started it
in 9/2003 after readers kept e-mailing questions because they didn't want to search through the thousands of postings at CreditForum.org. I compiled
and continually update the most important credit and FICO scoring information for people
who are serious about their credit rating. I really do not think that every person
should have to study the material and their reports to get the highest possible
scores, but if you need to increase your scores for a mortgage, that's what
it takes.

There is nothing simple or easy about credit and credit scores and you need to take a
comprehensive look at the entire reports and at the FICO score factors before disputing
anything.

After the deletion of the only derogatory account, a paid charge-off, the
FICO score went down 18 points to 646.

2/8/04: TU FICO 24 months after a Ch. 7 filing -- 726!!!

I could just scream when FCRA attorneys tell me that a bankruptcy filing is
the worst damage you can do to the credit rating and that's why they will not
represent people with bk's. It's very sad that so many so-called experts are
so incredibly clueless and that's why I posted my
bankruptcy affidavit.

Some readers subscribe
to CreditFactors instead of making donations and that works for me, it all goes
into my bank account. I don't have any partners and I pay no income tax because
I just don't earn enough. I have no ambitions to advertise, pay affiliate fees
or to turn CreditFactors into a credit repair business. In part that's because
I try to answer questions and I analyze the reporting for CreditFactors subscribers
and I just don't have the time it takes to familiarize myself with the credit
histories and goals of many individuals.

Wells Fargo and their lawyers the Buckley Firm have known about my allegations
since I first posted about their fraud in 2002 and they have not contacted me
to have me change or delete these pages. That's of course because my allegations
are true and the proof is posted on the web.

Wells Fargo had submitted false accounting statements to the court, under penalty of perjury. Perjury is a normal part of litigation and I have yet to discover what one can do about it. The judges couldn't care less.
Prior to my publication of Lynette's documentary, she paid 2 attorneys who were 200%
incompetent and they did nothing but steal her money and screw things up even
more.

If you are having similar mortgage problems, please read the Wells
Fargo topic at the CreditCourt forum. While it is closed to new postings,
look for resources including how to demand accounting.

In July 2003 I began blogging the chronological documentary of my own
suits as well as links to credit and legal news and
some of the other things that I find important, such as the corruption in all levels of government and in the courts.

What's in the works?

Due to my litigation, lots of administrative and computer problems and conversion
to new forum and blog software, I haven't had much time to spend on updating
my web sites and reorganizing. There is so much I want to do and my day has
only 24 hours.

Please become an activist, start fighting for your rights and post at the Fight
Back!!! Forum and/or send a few dollars or subscribe to CreditFactors.

You don't like what I do?

Please click that button with the "X" in the upper right corner of
this browser window. Or follow the links at Collection
attorney opinion - I must have discussed every aspect of credit and collections
at least once and I'm too busy to repeat myself. However, if you have something new to say, please do post at the blog.

I know that it's hard to find your way around my sites, but I deliberately
start new forums and sites so that SEARCH results aren't too
overwhelming. Sometimes less is more.

At the blog you'll find the most info about my suits and general info since
7/03. You can either search by one of the many categories, simply type key words
in the search box or use the advanced search options.

I do not live at this address and it can take several weeks before I get my mail. Like millions of residents in rural areas, I do not enjoy the luxury of postal service at my place in the desert and I only have an unlocked box a few miles down the road for court filings and other mailings that are not confidential.

My fax is 571-222-1000, but please also send me an e-mail to explain your fax and so that I can respond. I greatly appreciate unusual CRA or collection letters.

Please don't ask credit repair
questions

At least 100 million Americans would benefit from my advice. I don't have the
crystal ball required to tell you what to do without seeing how accounts are
reported and knowing the complete factual background.

I hope this page explains what I'm doing and why and hopefully you will decide to fight for your rights too!